Hyundai Kona Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Aug 23, 2022

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U.S. average auto insurance rates for a Hyundai Kona are $1,186 annually for full coverage. Comprehensive insurance costs an estimated $240 a year, collision costs $446, and liability costs around $364. A policy with just liability insurance costs as low as $416 a year, with coverage for high-risk drivers costing $2,572 or more. Teenage drivers pay the highest rates at $4,466 a year or more.

Average premium for full coverage: $1,186

Price estimates broken down by individual coverage:

Comprehensive $240
Collision $446
Liability $364

Prices are based on $500 policy deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all states and Kona trim levels.

Price Range from Low to High

For the average 40-year-old driver, Hyundai Kona insurance prices go from as cheap as $416 for just the minimum liability insurance to a high of $2,572 for a driver required to buy high-risk insurance.

Liability Only $416
Full Coverage $1,186
High Risk $2,572

Geographic Price Range

Where you live can have significant affects on insurance rates. More rural locations have fewer accident claims than densely populated cities.

The diagram below illustrates the difference location can make on insurance prices.

Rural Areas $890
Small Cities $1,245
Large Cities $1,601

The ranges above show why it is important to compare prices for a targeted area and their own personal driving habits, instead of using average rates.

Use the form below to get customized rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Additional Rate Analysis

The chart below shows estimated Hyundai Kona insurance rates for other coverage scenarios.

  • The best discount rate is $681
  • Using higher $1,000 deductibles will save approximately $1,030 a year
  • The estimated rate for the average middle-age driver who has $500 deductibles is $1,186
  • Using low $100 deductibles for physical damage coverage costs an additional $302 every year
  • Drivers who are prone to accidents and violations could pay up to $2,572 or more
  • The price with full coverage for a teen driver can cost as much as $4,466 or more

View Chart as Image

Hyundai Kona insurance cost comparison chart
Column chart showing full coverage Hyundai Kona insurance prices range from $681 to $4,466

Insurance prices for a Hyundai Kona are also quite variable based on the trim level and model year, your driver profile, and liability limits and deductibles.

Older drivers with a clean driving record and high physical damage deductibles may pay as little as $1,100 a year for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they can expect to pay at least $4,400 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you could be paying $1,400 to $2,000 extra each year, depending on your age. A high-risk auto insurance policy can be as much as 45% to 131% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $460 every year, while buying higher liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $327 more per year. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Hyundai Kona insurance prices. A driver around age 40 might see prices as low as $780 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,690 on average in New York, Louisiana, and Michigan.

Hyundai Kona Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,072 -$114 -9.6%
Alaska $910 -$276 -23.3%
Arizona $982 -$204 -17.2%
Arkansas $1,186 -$0 0.0%
California $1,350 $164 13.8%
Colorado $1,130 -$56 -4.7%
Connecticut $1,216 $30 2.5%
Delaware $1,338 $152 12.8%
Florida $1,480 $294 24.8%
Georgia $1,096 -$90 -7.6%
Hawaii $852 -$334 -28.2%
Idaho $804 -$382 -32.2%
Illinois $882 -$304 -25.6%
Indiana $894 -$292 -24.6%
Iowa $800 -$386 -32.5%
Kansas $1,126 -$60 -5.1%
Kentucky $1,616 $430 36.3%
Louisiana $1,754 $568 47.9%
Maine $734 -$452 -38.1%
Maryland $980 -$206 -17.4%
Massachusetts $946 -$240 -20.2%
Michigan $2,058 $872 73.5%
Minnesota $994 -$192 -16.2%
Mississippi $1,420 $234 19.7%
Missouri $1,052 -$134 -11.3%
Montana $1,274 $88 7.4%
Nebraska $934 -$252 -21.2%
Nevada $1,422 $236 19.9%
New Hampshire $854 -$332 -28.0%
New Jersey $1,326 $140 11.8%
New Mexico $1,050 -$136 -11.5%
New York $1,248 $62 5.2%
North Carolina $682 -$504 -42.5%
North Dakota $972 -$214 -18.0%
Ohio $818 -$368 -31.0%
Oklahoma $1,216 $30 2.5%
Oregon $1,086 -$100 -8.4%
Pennsylvania $1,130 -$56 -4.7%
Rhode Island $1,580 $394 33.2%
South Carolina $1,074 -$112 -9.4%
South Dakota $1,000 -$186 -15.7%
Tennessee $1,038 -$148 -12.5%
Texas $1,430 $244 20.6%
Utah $876 -$310 -26.1%
Vermont $810 -$376 -31.7%
Virginia $710 -$476 -40.1%
Washington $914 -$272 -22.9%
West Virginia $1,088 -$98 -8.3%
Wisconsin $818 -$368 -31.0%
Wyoming $1,054 -$132 -11.1%

View Chart as Image

Hyundai Kona insurance rates by U.S. city

Since prices can be so different, the only way to know which car insurance is cheapest is to get quotes and see which company has the best price. Each insurance company uses a different method to calculate prices, so the prices may be quite different between companies.

Hyundai Kona Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2019 Hyundai Kona $240 $446 $364 $1,186
2018 Hyundai Kona $226 $430 $376 $1,168

Rates are averaged for all Hyundai Kona models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Buy Affordable Hyundai Kona Insurance

Getting lower rates on car insurance requires being safe and accident-free, having a good credit history, eliminating unnecessary coverage, and taking advantage of discounts. Make time to compare rates at every policy renewal by quoting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

Below you'll find a brief review of the data touched on in this article.

  • Policyholders who want more liability protection will pay an extra $400 each year to increase from a low limit to higher 250/500 limits
  • Drivers can save approximately $140 per year simply by quoting early and online
  • Increasing physical damage deductibles could save up to $450 each year
  • Youthful drivers are charged the highest prices, with premiums as much as $372 a month including comprehensive and collision insurance

Rates by Driver Age

Hyundai Kona Insurance Rates by Driver Age
Driver Age Premium
16 $4,466
20 $2,744
30 $1,234
40 $1,186
50 $1,086
60 $1,066

Full coverage, $500 deductibles

Rates by Deductible

Hyundai Kona Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,488
$250 $1,348
$500 $1,186
$1,000 $1,030

Full coverage, driver age 40

Rates by Liability Limit

Hyundai Kona Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,186
50/100 $1,259
100/300 $1,350
250/500 $1,586
100 CSL $1,295
300 CSL $1,495
500 CSL $1,641

Full coverage, driver age 40

Rates for High Risk Drivers

Hyundai Kona Insurance Rates for High Risk Drivers
Age Premium
16 $6,372
20 $4,368
30 $2,624
40 $2,572
50 $2,454
60 $2,432

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $166

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $63
Multi-vehicle $63
Homeowner $18
5-yr Accident Free $87
5-yr Claim Free $77
Paid in Full/EFT $54
Advance Quote $59
Online Quote $84
Total Discounts $505
Rate after discounts $681

Discounts are estimated and may not be available from every company or in every state.

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